JCL
Own Apple products easily - no credit card needed, with low monthly instalments at an affordable price.
How it works?
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Easy Payment
Instalment up to 36 months*.
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Where to apply?
In-Store & Online.
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Simple Application
Present IC and payslip.
How to register?
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Step 2
JCL will conduct a verification and credit assessment.
You will receive a call from JCL within the same day, so please ensure your phone is available to complete the verification process. -
Step 3
Applicants will receive notification once the application is approved.
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Step 4
Successful applicants visit store to sign agreement and pick-up purchased item.
How to apply?
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Salaried Employee
Apply Now• Malaysian Citizen (Blue IC Only)
• Between the age of 18 to 60 years
• Working 3 months above with current employer
• Not residing or working in a military camp
• Net Salary RM 1,000 above
View pricing of the devices
| Model | Capacity | 12 mo. | 24 mo. | 36 mo. |
|---|---|---|---|---|
| iPhone 17 | 256GB | RM390 | RM221 | RM164 |
| iPhone 17 | 512GB | RM487 | RM275 | RM205 |
| iPhone 17 Pro | 256GB | RM535 | RM302 | RM225 |
| iPhone 17 Pro | 512GB | RM631 | RM357 | RM265 |
| iPhone 17 Pro | 1TB | RM728 | RM411 | RM306 |
| iPhone 17 Pro Max | 256GB | RM583 | RM329 | RM245 |
| iPhone 17 Pro Max | 512GB | RM679 | RM384 | RM285 |
| iPhone 17 Pro Max | 1TB | RM776 | RM438 | RM326 |
| iPhone 17 Pro Max | 2TB | RM968 | RM547 | RM407 |
| iPhone Air | 256GB | RM390 | RM221 | RM164 |
| iPhone Air | 512GB | RM487 | RM275 | RM205 |
| iPhone Air | 1TB | RM583 | RM329 | RM245 |
| iPhone 16 Plus | 128GB | RM352 | RM199 | RM148 |
| iPhone 16 Plus | 256GB | RM400 | RM226 | RM168 |
| iPhone 16 | 128GB | RM304 | RM172 | RM128 |
| iPhone 16e | 128GB | RM294 | RM166 | RM124 |
| iPhone 16e | 256GB | RM342 | RM194 | RM144 |
| iPhone 16e | 512GB | RM439 | RM248 | RM184 |
| iPhone 15 | 128GB | RM256 | RM145 | RM107 |
| iPhone 15 | 256GB | RM304 | RM172 | RM128 |
| iPhone 14 | 128GB | RM208 | RM117 | RM87 |
| iPhone 14 | 256GB | RM256 | RM145 | RM107 |
| iPhone 13 | 128GB | RM188 | RM106 | RM79 |
| Model | Capacity | 12 mo. | 24 mo. | 36 mo. |
|---|---|---|---|---|
| iPad 11-inch (A16, 2025), Wi-Fi | 128GB | RM159 | RM90 | RM67 |
| iPad 11-inch (A16, 2025), Wi-Fi | 256GB | RM198 | RM112 | RM83 |
| iPad 11-inch (A16, 2025), Wi-Fi | 512GB | RM284 | RM161 | RM120 |
| iPad 11-inch (A16, 2025), Wi-Fi + Cellular | 128GB | RM227 | RM128 | RM95 |
| iPad 11-inch (A16, 2025), Wi-Fi + Cellular | 256GB | RM265 | RM150 | RM111 |
| iPad 11-inch (A16, 2025), Wi-Fi + Cellular | 512GB | RM352 | RM199 | RM148 |
| iPad Air 11-inch (M3, 2025), Wi-Fi | 128GB | RM275 | RM155 | RM116 |
| iPad Air 11-inch (M3, 2025), Wi-Fi | 256GB | RM314 | RM177 | RM132 |
| iPad Air 11-inch (M3, 2025), Wi-Fi | 512GB | RM400 | RM226 | RM168 |
| iPad Air 11-inch (M3, 2025), Wi-Fi | 1TB | RM487 | RM275 | RM205 |
| iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular | 128GB | RM342 | RM194 | RM144 |
| iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular | 256GB | RM381 | RM215 | RM160 |
| iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular | 512GB | RM467 | RM264 | RM196 |
| iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular | 1TB | RM554 | RM313 | RM233 |
| iPad Air 13-inch (M3, 2025), Wi-Fi | 128GB | RM362 | RM204 | RM152 |
| iPad Air 13-inch (M3, 2025), Wi-Fi | 256GB | RM400 | RM226 | RM168 |
| iPad Air 13-inch (M3, 2025), Wi-Fi | 512GB | RM487 | RM275 | RM205 |
| iPad Air 13-inch (M3, 2025), Wi-Fi | 1TB | RM573 | RM324 | RM241 |
| iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular | 128GB | RM429 | RM243 | RM180 |
| iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular | 256GB | RM467 | RM264 | RM196 |
| iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular | 512GB | RM554 | RM313 | RM233 |
| iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular | 1TB | RM641 | RM362 | RM269 |
| iPad mini (7th gen, A17 Pro, 2024), Wi-Fi | 128GB | RM217 | RM123 | RM91 |
| iPad mini (7th gen, A17 Pro, 2024), Wi-Fi | 256GB | RM256 | RM145 | RM107 |
| iPad mini (7th gen, A17 Pro, 2024), Wi-Fi | 512GB | RM342 | RM194 | RM144 |
| iPad mini (7th gen, A17 Pro, 2024), Wi-Fi + Cellular | 128GB | RM284 | RM161 | RM120 |
| iPad mini (7th gen, A17 Pro, 2024), Wi-Fi + Cellular | 256GB | RM323 | RM183 | RM136 |
| iPad mini (7th gen, A17 Pro, 2024), Wi-Fi + Cellular | 512GB | RM410 | RM232 | RM172 |
| iPad Pro 11-inch (M5, 2025), Wi-Fi, Standard Glass | 256GB | RM439 | RM248 | RM184 |
| iPad Pro 11-inch (M5, 2025), Wi-Fi, Standard Glass | 512GB | RM525 | RM297 | RM221 |
| iPad Pro 11-inch (M5, 2025), Wi-Fi, Standard Glass | 1TB | RM699 | RM395 | RM294 |
| iPad Pro 11-inch (M5, 2025), Wi-Fi, Standard Glass | 2TB | RM872 | RM493 | RM366 |
| iPad Pro 11-inch (M5, 2025), Wi-Fi, Nano-Texture Glass | 1TB | RM737 | RM417 | RM310 |
| iPad Pro 11-inch (M5, 2025), Wi-Fi, Nano-Texture Glass | 2TB | RM911 | RM515 | RM383 |
| iPad Pro 11-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass | 256GB | RM525 | RM297 | RM221 |
| iPad Pro 11-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass | 512GB | RM612 | RM346 | RM257 |
| iPad Pro 11-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass | 1TB | RM786 | RM444 | RM330 |
| iPad Pro 11-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass | 2TB | RM959 | RM542 | RM403 |
| iPad Pro 11-inch (M5, 2025), Wi-Fi + Cellular, Nano-Texture Glass | 1TB | RM824 | RM466 | RM346 |
| iPad Pro 11-inch (M5, 2025), Wi-Fi + Cellular, Nano-Texture Glass | 2TB | RM997 | RM564 | RM419 |
| iPad Pro 13-inch (M5, 2025), Wi-Fi, Standard Glass | 256GB | RM564 | RM319 | RM237 |
| iPad Pro 13-inch (M5, 2025), Wi-Fi, Standard Glass | 512GB | RM651 | RM368 | RM273 |
| iPad Pro 13-inch (M5, 2025), Wi-Fi, Standard Glass | 1TB | RM824 | RM466 | RM346 |
| iPad Pro 13-inch (M5, 2025), Wi-Fi, Standard Glass | 2TB | RM997 | RM564 | RM419 |
| iPad Pro 13-inch (M5, 2025), Wi-Fi, Nano-Texture Glass | 1TB | RM862 | RM487 | RM362 |
| iPad Pro 13-inch (M5, 2025), Wi-Fi, Nano-Texture Glass | 2TB | RM1,036 | RM585 | RM435 |
| iPad Pro 13-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass | 256GB | RM651 | RM368 | RM273 |
| iPad Pro 13-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass | 512GB | RM737 | RM417 | RM310 |
| iPad Pro 13-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass | 1TB | RM911 | RM515 | RM383 |
| iPad Pro 13-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass | 2TB | RM1,084 | RM613 | RM456 |
| iPad Pro 13-inch (M5, 2025), Wi-Fi + Cellular, Nano-Texture Glass | 1TB | RM949 | RM536 | RM399 |
| iPad Pro 13-inch (M5, 2025), Wi-Fi + Cellular, Nano-Texture Glass | 2TB | RM1,122 | RM634 | RM472 |
| Model | 12 mo. | 24 mo. | 36 mo. |
|---|---|---|---|
| MacBook Air 13-inch (M4 chip with 10-core CPU and 8-core GPU, 16GB, 256GB SSD) | RM439 | RM248 | RM184 |
| MacBook Air 13-inch (M4 chip with 10-core CPU and 10-core GPU, 16GB, 512GB SSD) | RM521 | RM294 | RM216 |
| MacBook Air 13-inch (M4 chip with 10-core CPU and 10-core GPU, 24GB, 512GB SSD) | RM603 | RM341 | RM250 |
| MacBook Air 15-inch (M4 chip with 10-core CPU and 10-core GPU, 16GB, 256GB SSD) | RM535 | RM302 | RM222 |
| MacBook Air 15-inch (M4 chip with 10-core CPU and 10-core GPU, 16GB, 512GB SSD) | RM617 | RM349 | RM256 |
| MacBook Air 15-inch (M4 chip with 10-core CPU and 10-core GPU, 24GB, 512GB SSD) | RM699 | RM395 | RM290 |
| MacBook Pro 14-inch (M5 chip, 16GB, 512GB SSD) | RM679 | RM384 | RM282 |
| MacBook Pro 14-inch (M5 chip, 16GB, 1TB SSD) | RM761 | RM430 | RM317 |
| MacBook Pro 14-inch (M5 chip, 24GB, 1TB SSD) | RM843 | RM477 | RM351 |
| MacBook Pro 14-inch (M4 Pro chip, 24GB, 512GB SSD) | RM824 | RM466 | RM343 |
| MacBook Pro 14-inch (M4 Pro chip, 24GB, 1TB SSD) | RM1,017 | RM575 | RM423 |
| MacBook Pro 14-inch (M4 Max chip, 36GB, 1TB SSD) | RM1,353 | RM765 | RM564 |
| MacBook Pro 16-inch (M4 Pro chip, 24GB, 512GB SSD) | RM1,065 | RM602 | RM444 |
| MacBook Pro 16-inch (M4 Pro chip, 48GB, 512GB SSD) | RM1,228 | RM694 | RM512 |
| MacBook Pro 16-inch (M4 Max chip, 36GB, 1TB SSD) | RM1,479 | RM836 | RM617 |
| MacBook Pro 16-inch (M4 Max chip, 48GB, 1TB SSD) | RM1,691 | RM956 | RM705 |
| Mac mini (M4 chip, 16GB, 256GB SSD) | RM246 | RM139 | RM101 |
| Mac mini (M4 chip, 16GB, 512GB SSD) | RM328 | RM185 | RM135 |
| Mac mini (M4 chip, 24GB, 512GB SSD) | RM410 | RM232 | RM170 |
| Mac mini (M4 Pro chip, 24GB, 512GB SSD) | RM583 | RM329 | RM242 |
| iMac 24-inch, Standard Glass (M4 chip, Two ports, 16GB, 256GB SSD) | RM564 | RM319 | RM234 |
| iMac 24-inch, Standard Glass (M4 chip, Four ports, 16GB, 256GB SSD) | RM651 | RM368 | RM270 |
| iMac 24-inch, Standard Glass (M4 chip, Four ports, 16GB, 512GB SSD) | RM732 | RM414 | RM305 |
| iMac 24-inch, Standard Glass (M4 chip, Four ports, 24GB, 512GB SSD) | RM814 | RM460 | RM339 |
| iMac 24-inch, Nano-Texture Glass (M4 chip, Four ports, 16GB, 256GB SSD) | RM732 | RM414 | RM305 |
| Mac Studio (M4 Max chip, 36GB, 512GB SSD) | RM872 | RM493 | RM363 |
| Mac Studio (M3 Ultra chip, 96GB, 1TB SSD) | RM1,739 | RM983 | RM725 |
| Model | Size | 12 mo. | 24 mo. | 36 mo. |
|---|---|---|---|---|
| Apple Watch SE 3, GPS | Aluminium Case | 40mm | RM107 | RM60 | RM45 |
| Apple Watch SE 3, GPS | Aluminium Case | 44mm | RM121 | RM68 | RM51 |
| Apple Watch SE 3, GPS + Cellular | Aluminium Case | 40mm | RM131 | RM74 | RM55 |
| Apple Watch SE 3, GPS + Cellular | Aluminium Case | 44mm | RM145 | RM82 | RM61 |
| Apple Watch Series 11, GPS | Aluminium Case | 42mm | RM179 | RM101 | RM75 |
| Apple Watch Series 11, GPS | Aluminium Case | 46mm | RM193 | RM109 | RM81 |
| Apple Watch Series 11, GPS + Cellular | Aluminium Case | 42mm | RM227 | RM128 | RM95 |
| Apple Watch Series 11, GPS + Cellular | Aluminium Case | 46mm | RM241 | RM136 | RM101 |
| Apple Watch Series 11, GPS + Cellular | Titanium Case, Sport Band | 42mm | RM323 | RM183 | RM136 |
| Apple Watch Series 11, GPS + Cellular | Titanium Case, Sport Band | 46mm | RM347 | RM196 | RM146 |
| Apple Watch Series 11, GPS + Cellular | Titanium Case, Milanese Loop | 42mm | RM347 | RM196 | RM146 |
| Apple Watch Series 11, GPS + Cellular | Titanium Case, Milanese Loop | 46mm | RM371 | RM210 | RM156 |
| Apple Watch Ultra 3, GPS + Cellular | Titanium Case, Alpine Loop | 49mm | RM362 | RM204 | RM152 |
| Apple Watch Ultra 3, GPS + Cellular | Titanium Case, Ocean Band | 49mm | RM362 | RM204 | RM152 |
| Apple Watch Ultra 3, GPS + Cellular | Titanium Case, Trail Loop | 49mm | RM362 | RM204 | RM152 |
| Apple Watch Ultra 3, GPS + Cellular | Titanium Case, Milanese Loop | 49mm | RM410 | RM232 | RM172 |
Frequently Asked Questions
Overview
- JCL
• A financing solution offering low monthly instalments at an affordable price. - Repayment loans are available for up to 36 months.
- Multiple devices can be applied for under one application, which will fall under one agreement (e.g., 2 iPhones or 2 iPads).
- Eligibility:
Salaried Employees:
• Ages 18 to 60
• Nett salary of RM1000 and above
• Malaysian citizens (blue IC only)
• Minimum working period of 3 months
• Not residing or working in a military camp - Supporting Documents:
• Copy of Identity Card (front & back)
• Latest payslip (one month only) - Guarantor / Collateral:
• No guarantor or collateral required. - Processing Time:
• 1 to 3 working days from application to approval.
Payment
- Application Fee:
No payment upon application. RM54 (inclusive of 8% SST) processing fee will be collected by JCL upon approval. - Monthly Repayment Methods:
Auto debit deduction from applicant’s savings account
Manual payment through the “Jclicks” application. - Late Payment:
Late payment charges apply if payment is past due date. - Auto-Debit Requirement:
All applicants must apply for auto-debit before collecting their devices. - Confidentiality:
Personal information is kept confidential in compliance with the Personal Data Protection Act 2010 (PDPA). - Early Settlement Rebate:
Discounted price for early settlement.
Contract
- Termination:
• Early termination is allowed. Contact Customer Service at 03-26167900. - Device Collection:
• Device can be collected on the spot after signing the agreement. - Contract Details:
• Contract will be sent via postage within 1 month after collecting the device.
Terms and conditions will be stated in the contract.
General – Lost / Theft / Damage
- Faulty Device
• Check the device upon collection for defects. Notify staff and request replacement if defective.
Responsibility for the device continues throughout the contract duration. - Lost/Stolen Device:
• No protection for lost or stolen devices; payments must continue until the end of the contract. - Broken Device:
• No protection for broken devices; payments must continue until the end of the contract.
